Capital One Financial Corporation

Review: Online bill pay accidentally sent payment to the wrong account, which has been closed. I contacted Capital One to have the payment transferred to the correct account. I spoke to one person who could not find anything out, then transferred me to who he said was his m[redacted]. The next person I talked to, [redacted] #[redacted], refused to help, said they could not confirm payment ever came, refused to let me email him a copy of my statement from the bank showing they received it and cashed it, and told me the only thing I could do was call back in 3-5 days. I asked to talk to his supervision and he refused to let me talk to anyone else, and then said he wasn't even a manager, so the first person who transferred me was not telling the truth as well. Still have no idea how this is going to be fixed.Desired Settlement: Want the 350.00 payment to be credited to the open account.

Business

Response:

Our customer is concerned about a payment for $350 dated December 12, 2013 that was applied to a closed account ending in 6241. She requested to have the payment transferred to the account ending in [redacted]. The customer was also concerned that she was not provided the opportunity to speak to a manager. Our research shows that she made the payment to the wrong account in error for $350, and the request was processed. After we researched this complaint, the payment for $350 was transferred to her account ending in [redacted] and we dated the payment for December 12, 2013. We advised there was no late fee on the account. We apologized for any incorrect information which may have been provided regarding her request to speak to a manager and gave her a courtesy credit for $50. We upgraded her account using the offer for [redacted] and she accepted the terms. The customer was satisfied with the resolution.

I paid for the payment protection plan on my account ever since I got the capital one credit card I filed an unemployment benefit in the midst of them dropping the payment protection. They failed to honor the terms of the agreement and never processed the payments on my account. This is fraud if you say although you all no longer offer the payment protection anyone that was enrolled still entitled to those benefits as long as you all are notified within 1 year. My account should be paid in full for the misleading and lack of communication with the customer. No one ever followed up with me and I have called numerous times to get this resolved. You all supposedly dropped the payment protection in 2013 well you were notified of my unemployment claim but never followed thru with it

Review: I have two credit card accounts with Capital One. The oldest and larger credit account (ending [redacted]) has not been report to my [redacted], since 2007! I have contacted CapitalOne numerous times, providing them with my current documentation ([redacted] report) showing that they aren't reporting. I continue to speak with incompetent and rude employees. The result is the same week after week, I receive a corresponded letter in the mail stating, we've verified that the information on your credit matches the information in our records. This is not the case because they are still not on my [redacted]. Because they are not reporting to [redacted], I am unable to dispute the matter with the bureau because on there end there's nothing to dispute. This is very frustrating.Desired Settlement: I would like my [redacted] report updated with the appropriate information, the time the account was opened; credit limit; always in good standings. There is apparent a miscommunication between the company and the bureau. I just my report to display the accurate information.

Business

Response:

Our customer is concerned about the information that is being reported to [redacted]. Only one of her two accounts with us was reflected on her [redacted] profile and our research confirmed that the second account with us was not being reported. We advised that the credit profile can take several days to update and that we would be communicating this information to [redacted]. We received confirmation from [redacted] that the second account was added and we informed our customer that this change may take 48 hours to become visible.

Review: I have been with this card 40 years and have always paid on time I have a credit score of 800 they said no interest on this money for 1 yr. Now they want me to pay interest charges.Desired Settlement: I hope you can help me fix this.

Business

Response:

Re: Account ending in [redacted] Capital One Case: [redacted] Revdex.com No: [redacted]

Dear Donna Cullaz, Your complaint to the Revdex.com was forwarded to the attention of the Executive Office for response. Please allow me to address your concerns. We have reviewed your complaint regarding interest being charged to this account and found that on December 18, 2014, we provided a letter to you through the Consumer Financial Protection Bureau (CFPB) that details our position regarding the account in question. We feel that this response fully addresses your concerns, and we continue to uphold our position. For your review, we have enclosed a copy of our letter dated December 18, 2014. If you have any additional questions, you may contact me at [redacted]. I can be reached Monday through Friday, from 8 a.m. to 4 p.m. ET. Sincerely,

[redacted], on behalf of Capital One

NEVER! USE CAPITAL ONE! The absolute worse bank next to [redacted] bank to deal with. Customer service that is no help. in fact never dealt with one that knew thier rear from a hole in the ground. And when u try to refinance because your absolutely fed up dealing with them they give u a 10 day payoff then take 20-30 days to process then hit u with late fees and daily interest to suck more money out of you. Its hard to be a blue collar worker which is the backbone of this country when everything is ran by crooked corporations that payoff senators to overlook the big issues like these.

Review: My name is [redacted] and I am a Capital One Account Holder (ending in … [redacted]).

I have been set-up with the auto-debiting feature for quite some time for my monthly payments.

In March of 2014, I had a payment that was auto-debited through Capital One, bounce due to Non-sufficient Funds. Unfortunately, the funds were unavailable due to a checks balance that was placed on hold during this duration. As you will note, I have always been on time, made my payments and so forth.

Since my Capital One Credit Card was linked over to my [redacted] checking, alerts and notifications set as well, I expected a payment to be processed over the next coming days and usually received notice of withdrawal from Capital One, which I did.

I have an alert system set up through Capital One that would allow me to receive a notification, via call, text and email in the event there was a problem with payment processing. In this case, I was never notified or called in order to rectify the situation that payment couldn’t be received to due my [redacted] NSF.

I didn’t find out about my account being exactly 44 days past due until I was ready to make my payment through Capital One once again, and upon my call in, they notified me that they never received the previous payment. Upon questioning the circumstances and investigating further, they noted they failed to initiate or make contact with me, and that they never reprocessed the payment for auto-debit again, which my account was set-up for.

As a result they reversed my late fees and assured me they would go ahead and dispute it. Upon our conversation, the representative named [redacted] opened up a case number for me, listed as [redacted]. She stipulated that it was indeed a Clerical communication error on Capital Ones part. They would contact the Bureau and address the situation to get the credit hits removed. However, upon further investigation into Capital One, I found out that [redacted] had given me a number that was not in the database. Mysteriously even down the line, NO ONE at Capital One could tell me who opened the original case or would look into what the original phone call (though recorded, stored and saved by your company) entailed, which would solve the problem in the first place. After that, I would be sent on a wild goose chase through Bureaucratic and manipulative tasks to finesse this matter.

To further get an update on the matter, I called on May 1st, 2014 and spoke with [redacted], a Capital One Representative who looked through my case number : [redacted] and found that they indeed had sent a letter to the agencies letting them know that my account had gone over 44 days. However, they failed to include in their letter where the error lay at hand, only detailing their side of the story, but not addressing the details in how they laid in error.Complaint concerns: a Credit CardDesired Settlement: A miscommunication has now taken place and instead of disputing it to remove it from my records, I was notified by [redacted] that they instead only sent the main credit Bureau’s, a letter stating that the account had indeed been over 44 days, but with no explanation as to their responsibility for the delinquence and the resolution they made with me and my accounts end upon that day of speaking with [redacted]. Per the original agreement, they would take care of my fee reversals and aquit the note with the bureau, which they failed to do. Since Capital One records all details of calls with customers, I am asking for you to open an investigation and subpoena the calls within your own department. In the calls, you will find all details into this matter, note of responsibility on Capital One’s part, and agreement that they would have these removed. I am asking you to re-open this case, amend and remove my delinquency by sending a letter of detailed information to ALL Credit Bureau’s. Although you have already submitted a note, you have failed to submit a note with detailed information, and your liability into this matter which would have removed my credit score hit. I have worked years as a student to keep my credit score immaculate, and as a result, your hit to my credit score, which is the only one to ever hit my entire credit portfolio, has withheld me from moving, getting a car title, and have had credit card limits placed on several of my other cards. It is a heartbreaking situation to have worked years to build this reputation, and come Capital One to manipulate my account by promising to fix it, then sending me into a Bureaucratic system where there is no resolve, miscommunication by Agents to myself and the run-around of "We did our best," when in reality you just avoided the situation and thought I would be another customer who would get lost in the system. I will not accept that there is no way to getting this fixed, because there's always a way, if there is a will. Thank you!

Business

Response:

Re: Account ending in [redacted] Capital One Case: [redacted] Revdex.com Case No.: [redacted] Dear [redacted], This letter is in response to your complaint to the Revdex.com, concerning auto payment set up, a returned payment, and information we’ve reported to the Consumer Reporting Agencies (CRAs) on your account. We value your feedback and I’d like to share more information with you.Thanks for your patience while I researched this matter. Although we found no error in the reporting of this account, I have sent a request to the CRAs to update your credit profile that the account is reporting as paid as agreed and not past due for the month of April 2014. For your reference, the control number for this update is[redacted]. It may take these agencies up to 60 days to update their records. While I found no error when our agents spoke with you, I can understand your frustration and as a courtesy, I issued a credit of $50.00 to your account. This credit reflects on your February 2015 billing statement. In your complaint, you let us know that you set up automatic payments with your checking account with [redacted] Bank. You mention that this automatic payment set up from your bank was returned due to non-sufficient fund on your banks end due to a hold on your account at that time. Allow me to explain further. On March 20, 2014, the payment of $145.00 dated March 14, 2014, was returned. As a result, the account became past due. We do not represent payments that have been returned to us as non-sufficient funds, which is why we were unable to obtain payment for the returned. The April 2014 billing statement minimum payment of $292.00 due by May 14, 2014, included the past due amount. On May 1, 2014, a direct debit payment for $292.00 was received which brought the account current. I have enclosed of the April 2014 through May 2014 billing statements for your review. In reference to your concern account alerts by text, call, and email. Our records show that this account is not set up to receive account alert notifications, which is why an alert was not sent to you about the returned payment dated March 14, 2014. While automatic security alerts are systemically set up for the account to be received, the account alerts for notification of past due status and payment due are optional and require subscription by signing up through the Capital One website under account management. You can logon to capitalonecreditcards.com to subscribe for this option. You also mention in your complaint that you had spoken to a few of our Customer Service representatives about your concerns of the 30 day delinquency on your credit profile, as well as a case number of #[redacted] that was provided to you. Unfortunately, I was unable to locate the case number of #[redacted] as referenced in your complaint. I found 3 calls, one call dated August 6, 2014, and two dated May 1, 2014. I review these calls and found no error when our agents spoke with you.We have valued your business since [redacted] and we hope to continue our business relationship. If you have additional questions or concerns, please give me a call Monday through Friday at [redacted] from 8:30 a.m. to 5 p.m. PT. I’m glad to help any way I can. Sincerely,[redacted], on behalf of Capital One

Review: Capital One has failed to refund me $175 from a company ([redacted]) that did not provide services. [redacted] agrees that I am owed the refund and claims that they did refund me, but the money was never credited to my account. I have spoken to Capital One on several occasions and they claim there is nothing they can do. However, Capital One and the owner of [redacted] were on a conference call and all parties agreed to refund the money. I have also filed a complaint with [redacted] and was not satisfied with their response.Desired Settlement: $175 credit to my Capital One credit card.

Business

Response:

Our customer is concerned about the rebilled merchant charge for $175.00 from [redacted]. Our research shows that we requested our customer to provide additional documents in order to proceed with the dispute. However, those documents were not received. We have issued a permanent credit to the account for the full amount of $[redacted] as goodwill.

Review: Dear Sir / Madam,

I am complaining because Capital One has acted inappropriately in at least the following matters:

1.) Harassing me with emails, messages, letters, and debt collection efforts despite my numerous and explicit "cease and desist" letters.

2.) Capital One has refused to stop sending me unsolicited emails in violation of [redacted] Civil Code and has failed to acknowledge my requests for a resolution.

3.) Capital One's email mailing list provides no way for a consumer to opt out and is in violation of the [redacted] act.

4.) Capital One has not responded to my messages and requests for assistance.

5.) Et al.Complaint concerns: OtherDesired Settlement: I kindly request Capital One cease harassing me with letters, contact, email, and all other forms of contact. Furthermore, I wish for Capital One to produce a one-time explanation and apology of what has occurred and why they have failed to abide by my requests, consumer protection laws, state laws, and federal laws.

Business

Response:

This is a duplicate to a current case we have open from the[redacted], we will respond under the [redacted] case.

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID[redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

This is not a duplicate case, this complaint has additional information and separate inquiries. I would like Capital One Financial Services to address my issues here.

Regards,

Review: I have been a VERY disgruntled customer of this company ALL year and after speaking to people about my issue, I have been advised to file complaints about what happened to me.

I received a call from this company about a year ago, and was offered enrollment of a program they offered for the holidays for customers. I was told that I could make a change to my payment schedule and take advantage of not having a payment for a while.

It all sounded a little to good to be true, but I continued to ask questions. My MAIN concern was that my credit would not be affected by my acceptance of this program, and I was told it would NOT be.

After enrolling and seeing that the first initial payment wasn't taken out of my account, I called and was informed that the payment date was entered wrong and my enrollment was not valid anymore and that I had to RE-ENROLL, which I did.

And AGAIN, I was told this RE=ENROLLMENT would have no impact on my credit.

Well....It DID impact my credit and those payments were reported as LATE.

Since then I have been just TOO angry to think straight and now I am ready to tell what happened to me and to take the action I need to take against this company.Desired Settlement: I want the LATE payments removed from my account, and I can move forward with my account in the positive.

Business

Response:

Dear [redacted],I am writing you today regarding the situation you explained to the Revdex.com. Capital One sincerely apologizes for the unsatisfactory customer experience you received regarding your enrollment in our [redacted] program in December, 2013. After reviewing your inquiry and your account, we determined you were provided inaccurate information on December 12, 2013, regarding the possible credit impacts of this payment plan.As a courtesy, Capital One will request the removal of the delinquent credit reporting for the months of January 2014 and February 2014 from your credit report. Capital One has previously waived $63.39 in late fees accrued on this account, and there is currently$21.13 in late charges due. These remaining late fees will also be waived as an additional courtesy to you. In reviewing your account, we have verified that your account was delinquent for the months of March 2014, April 2014, June 2014, July 2014, August 2014, September 2014 and October 2014. In an effort to ensure we are reporting accurate account information, we have submitted requests to the consumer reporting agencies for updates to youraccount.We regret any inconvenience this matter may have caused you. If you have additional questions, please contact our Customer Service Department at ([redacted]. If you have questions regarding this specific response, I can be reached at ([redacted].Sincerely,[redacted]

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID[redacted], and have found that there is actually an issue concerning my CREDIT CARD account.So I definitely have to continue with this complaint.

Regards,

Review: I’m a new consumer to Capital One. I was with [redacted] since May 2011 and have never been late nor missed a payment. [redacted] was taken over by Capital One and I decide to maintain my current outstanding billing record by sitting up payment to take place monthly online, with that being said somehow either by using the only and or old payment system the payment was not process. I contacted the company to explain this technical error and to make a full payment and request that this issue be investigated and resolved. This seem very unfair and unjustified, I’ve NEVER BEEN LATE NOR MISSED A PAYMENT PLEASE REVIEW MY HISTORY AND MY CURRENT STATUS. Last four of SSN: [redacted]Desired Settlement: To have the 30 day late error removed from my credit report this was a computer issue and of no error of mine

Business

Response:

Dear [redacted],

I’m reaching out to you about your complaint to the Revdex.com and in follow up to our telephone conversation.

Before I can look further into your concerns, I need additional information. Please send a copy of your bank statement or cancelled check showing the automatic payments that were set up for the months of August 2013 and September 2013.

If you prefer, you may mail this information to the address above, or fax it to [redacted].

Once I receive this information from you, I can continue my investigation. If you have additional questions, please call me at[redacted], Monday through Friday from 11:30 a.m. to 8 p.m. PT. I’m glad to help any way I can.

Sincerely,

[redacted], on behalf of Capital One

Review: About a month ago I received an offer to upgrade my current Capital One card to the VentureOne card. I have been a Capital One customer for approximately 5 years. I have never made a late payment and I have a zero balance on my account right now. I also have outstanding credit (750+). I of course wanted to upgrade to the card since it is a great rewards card. I was also under the impression that in upgrading to the VentureOne card I would receive the introductory offer of receiving 20,000 bonus miles when you spend $1,000 in the first 3 months of having the card. My wife and I are planning a trip to the Carribean in January so this offer appealed to me especially. However, when I received the card, I checked my account and noticed that there were no special offers attached to my account. After contacting their customer service department they informed me that since they upgraded my account as a "courtesy" to me for being a good customer, I did not in turn qualify for this special offer. I asked the customer service representative and she told me that there was no way she could include this offer on my account but that I was welcome to apply for another account in order to receive the introductory offer. Why would I want to have multiple Capital One accounts open? And why would I want a hard inquiry on my credit if I don't need to have that? Why couldn't Capital One simply add the introductory rewards offer to my account as a reward for being a good, loyal customer. I was always under the impression that when you had these higher level cards, they went out of their way to provide you with excellent customer service. This is not what I expected.My complaint concerns: a Credit CardDesired Settlement: Please add the VentureOne introductory rewards offer to my account.

Business

Response:

Dear [redacted], I’m reaching out to you about your concerns sent to the Revdex.com (Revdex.com) with your recent account upgrade to the VentureOne card. We do take your concerns seriously and I’m glad to share more information about this. I have added 20,000 bonus miles to your account, as a one-time courtesy. As of the date of this letter, your available rewards balance is 23,539 miles. The upgrade offer did not include a benefit of 20,000 bonus miles when you spend $1,000.00 in the first three months. I was not able to locate any calls in which we communicated this to you. I confirmed you accepted the upgrade online, including its terms. We value your business and hope you enjoy all the benefits the VentureOne card has to offer! If you have additional questions, please call me at 800-955-1455, Monday through Friday from 9:30 a.m. to 6 p.m. PT. When contacting me, please be sure to have the following six digit phone PIN available: 858834. I am happy to help any way I can. Sincerely,

[redacted], on behalf of Capital One

Review: Several weeks ago I received five pre-screened / pre-approved credit card offers from Capital One. I called their contact number and asked that all mailings be stopped. The person I spoke with was heavily accented. She kept asking for my emailing address. She repeatedly asked me to spell my name and give my address and spell that. I became incredibly frustrated. I was rude. I asked her if she was stupid. The mailings have not stopped. I have sent them back "Return to Sender." The mailings have not stopped. I've sent emails, I sent emails to their abuse line, I promised I'd contact the Revdex.com and still the mailings have not stopped. I called the "opt out" number and they wanted my social security and birth date. What does that have to do with getting my name off a mailing list? I even contacted the Revdex.com on line and [redacted] informed me that filing complaints was my responsibility. I know that. Her messages felt accusatory and demonstrated a lack of desire to help me. I thought that was what the Revdex.com was for. I was wrong...at least in that person's case.Desired Settlement: I want this company to take my name off ALL mailing lists in EVERY city of EVERY state. I want this company to LEAVE ME ALONE.And I do not think it should be this hard to get somebody to take notice and respond to what started out to be a simple request. This has been going on over two months and I want it to stopp.

Business

Response:

Dear [redacted], I’m reaching out to you about your concerns sent to the Revdex.com (Revdex.com) regarding pre-screened/pre-approved offers you are receiving by mail. We take your concerns seriously, and we’re glad to share more information about this. We’ve removed your name and address from our mailing list. However, you may need to do this for any variation in the spelling of your name or address. Please allow 30 days from the date of this letter for all mail offers from us to stop. We’d like to apologize for any frustration that this matter may have caused you when contacting us to opt-out. If you have any questions or concerns, please give me a call at 800-955-1455, Monday through Friday from 6:45 a.m. to 3:15 p.m. PT. When contacting me, please be sure to have the following six digit phone PIN available: [redacted]. I am happy to help in any way that I can. Sincerely,[redacted], on behalf of Capital One

Review: In March of this year I went to Capital One's web pay system and made a payment that was deducted from my debit card. I had made on time payments and had used the web system each time. This time there was some kind of glitch in the system and about a week later I saw that there were 2 charges from Capital One to my debit card. Being a single mom living paycheck to paycheck I had a panic and called my bank who advised me to contact Capital One. In doing so I was able to have one of the payments reversed and put back into my account. Another week later I saw that both payments had been refunded back to me and by then my funds were a complete mess and all of the confusion caused me to have a late payment. I contacted Capital One and made payment arrangements to get it all squared away and taken care of however when the beareua took a snap shot of my payments it showed I was late causing my score to drop drastically. Like I said I am a single mother with plans in the next year to purchase a home for my children and myself and this mix up is going to cost me quite a bit of time and energy to fix. I asked if there was a way to reverse this to show I am a good standing customer but there was no resolve by the company leaving me in a very unfortunate position.My complaint concerns: an Auto LoanDesired Settlement: I am requesting a correction to the credit bureau's to show I am in good standing and have been.

I have 9 months to work on keeping my credit up and rising so that I can purchase a new home for my children and myself.

Business

Response:

Dear Ms. [redacted], We have reviewed the situation you explained to the Revdex.com and want to address your concerns. We appreciate you allowing us the opportunity to review your concerns, and assure you that Capital One is committed to providing superior quality service. In reviewing this matter, we confirmed that two payments were processed online via our Capital One 360 website. The first payment was processed on June 16, 2015, in the amount of $515.91 (confirmation number [redacted]) and was effective for June 17, 2015. This payment resolved the past due payment for May 30, 2015. The second payment was processed on June 16, 2015, in the amount of $515.91 (confirmation number [redacted]) and was effective for June 18, 2015. This payment satisfied the payment that would become due on June 30, 2015. Both of these payments were manually processed and we did not identify any system errors that resulted in two payments being deducted from your bank account. Per your request, we refunded the payment that you scheduled to deduct from your bank account on June 17, 2015. This resulted in the account being due for June 30, 2015. However, after we issued a refund to you, we received notification from your bank that you disputed the payment that was scheduled for June 18, 2015, as unauthorized and they recovered the funds on June 24, 2015. When your bank recovered the funds, the account became due for May 30, 2015. We did not receive the funds to satisfy the May payment until July 10, 2015, when the account was over 30 days past due. While we understand that you would like Capital One to modify the information we reported about your account, please note that the information that we report to the consumer reporting agencies must be accurate. We are therefore unable to honor your request to change the reporting of your payment history. We regret any inconvenience this matter may have caused you. If you have additional questions, please contact our Customer Service Department at (800) 946-0332. If you have questions regarding this specific response, I can be reached at (844) 846-0244. Sincerely, [redacted] Office of the President, Financial Services Capital One

Consumer

Response:

I have reviewed the offer and/or response made by the business in reference to complaint ID 10730574, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

Manley.Robin_10002159631472.pdf

Review: [redacted]'s sent me an offer to increase my credit limit to $1500. I called and they increased my limit. My current balance is just over $500. When I went to the store and tried purchase $300 worth of clothes the store clerk told me that my card had been declined. I called Customer service and they said that my account had been closed. No one could tell me why. They said that they would have a department check on it and get back to me. It has been over 2 weeks so I called again. This time the rep told me that my account was closed by the credit bureau, but he couldn't tell me which one. He told me there are only three just call them.Desired Settlement: Restore my account and an apology. You should know who is closing customer accounts.

Business

Response:

Business

Response:

Dear Mr. [redacted], Your complaint filed with the Revdex.com (Revdex.com) was forwarded to my attention in the Executive Office of [redacted]’s for resolution. While [redacted]’s has an established partnership with Capital One N.A., we provide the in-house servicing for your [redacted]’s Charge account. As it is my intent to provide our valued customers with quality service, I appreciate the opportunity to review and resolve your concerns. In your complaint, you state that [redacted]’s closed your account without notification, and when you called to inquire why, we were unable to provide you with a clear explanation. You ask for an apology as well as the re-opening of your account. Upon review of your account, our records show that on May 2, 2015, you contacted us to request a credit line increase. After successfully completing the credit line increase, it appears that your account was closed due to agent error. We apologize for any inconvenience this situation may have caused and want to assure you feedback has been provided to the appropriate area. On July 7, 2015, we re-opened your account at your request. As of the date of this letter, your account is open and in good standing with a balance of $495.01. Mr. [redacted], I trust the information provided resolves your concerns. If you have any further questions, please do not hesitate to contact me directly at [redacted]. Sincerely, [redacted] Sr. Executive Correspondence Advisor Office of the President [redacted]’s Department Stores

Consumer

Response:

Revdex.com, I apologize I didn’t realize there was more for me to do. [redacted]’s apologized and reopended my account. I’m 100% satisfied with [redacted]’s and the Revdex.com. Thank You for your help. [redacted]

Review: I had my credit pulled for a new credit card by [redacted]. When I got my my credit report it shows 39 credit inquiries from this Capital One address. The dates run from June, 2012 through December 2013. It needs to stop!! I've never had a Capital One credit card. I have never wanted one. This has dropped my credit significantly. I don't know what can be done. It's not right. It's not fair I had to find out this way that some random sleazy credit card company helped tank my credit. I'm trying to build a life I don't need it looking like I'm a crazy person with 39 credit inquiries in 2 years. Like I said I don't know what can be done, but something should!Desired Settlement: Like I said above I don't know what I want. It's not like they can put my credit back. I most certainly do not want a credit card!

Business

Response:

Dear [redacted],

This letter is in follow-up to our telephone conversation on July 1, 2014, and the

correspondence received from the Revdex.com regarding the inquiries on your credit

report. I have some good new to share with you!

I can confirm that the inquiries you received were prescreening inquiries performed by Capital

One. These are soft inquiries that cannot be removed, don’t affect your credit score, and are not

visible to anyone but you.

These inquiries allow credit card companies to identify potential customers and tailor our

products to meet those customers’ individual needs. As discussed, you can opt out of the

prescreened inquiries from Capital One or any other company initiated on their credit report, by

calling [redacted]. This will remove your name from the prescreened

mailing lists and prevent any future prescreened inquiries from appearing on your credit reports.

If you have any questions or require additional assistance, please contact me directly at [redacted]

[redacted]. I’m available to assist Monday through Friday, between the hours of 7 a.m. and 3:30

p.m. PT.

Sincerely,

Review: I have disputing the way Capital One is reporting account [redacted] on my credit report. I filed for bankruptcy November of 2012 and it was discharged February of 2013. Capital One continues to report late payments DURING the filing of bankruptcy. I understood that they had to cease reporting payment history during the bankruptcy process. I filed a complaint with the [redacted] and received a letter back from Capital One dated 8-27-2013 that states in writing, that they sold this account on November 15, 2012 BUT continue to report on this account AFTER it was sold! That is absolutely NOT 100% accurate reporting per the [redacted] and they are in violation of the [redacted] for the reporting of ANY information AFTER they sold this account!Desired Settlement: Since they are in violation for reporting during filing of bankruptcy AND they continue to report on an account AFTER they sold it, I want it deleted form my credit report at once!

Business

Response:

Dear [redacted]:

I'm reaching out to you about your complaint to the Revdex.com about information we've reported to the credit bureaus. We take your concerns seriously, and I'd like to share more information about this.

We are unable to delete this account from your credit report. Please accept this letter as confirmation that on October 11, 2013, an update was sent to the consumer reporting agencies to delete any references to delinquencies after your filing of Chapter 7 bankruptcy. We've instructed these agencies to remove the delinquencies that were reported for November 2012 and December 2012. As these updates are processed electronically, please allow these agencies up to 90 days to update their files. In the interim, this letter shall serve as verification to any parties that may be interested in the outcome of this matter.

Your account has not been sold. Capital One is still the legal owner of this account. We've confirmed that your account was placed with [redacted]) on November 15, 2012, for further collection efforts on our behalf. Due to delinquencies your account charged-off on January 31, 2013. We've confirmed that we are reporting the correct information.

We hope this letter explains more about the situation. However, if you have any questions, please give us a call at [redacted], extension [redacted] between 7:00 am to 3:15 pm PT. We're glad to discuss this with you.

Sincerely,

Office of Executive Resolutions

Capital One

Review: Last night I was contacted by [redacted]; a collection agency because they told me I had not paid my [redacted]'s charge card account. However, I had not received a statement or was I ever contacted via the phone or emailed. The person in which I spoke to from [redacted] had all my personal information and called me on my husband's cell phone in which was not even on my [redacted]'s account. They were rude and disrespectful and would not tell me how they received the information they had. I was unaware I owed [redacted]'s any money. I get coupons and new credit cards, but not statements/bills regarding my accounts then I get called by a collection agency. This is not professional and definitely not personable and I have contacted the Revdex.com. After 20 minutes of being ridiculed and disrespected, I finally hung up. If someone cannot talk to me in a professional manner regarding an issue they wish me to be professional about, they do not get respect back. I then called [redacted]'s directly. They then transferred me four times and finally I spoke with a very polite and professional young woman. She told me that my statements were being returned by the post office, so they had no way of getting them to me. Like I said earlier, I was getting coupons and credit cards in the mail, so I am not sure how the statements were not being delivered. Did I ever receive a phone call from [redacted]'s, NO! [redacted]'s never reached out to me by phone. Did [redacted]'s ever email me, NO! They had both my home phone and my email address and neither were reached out too. I asked the young lady if my card was no longer active and expressed to her my concern on how this was handled and informed her my card would be cut up and I would never shop at [redacted]'s ever again due to the way things are handled. Found out that my zip code was mis typed. However, that should not make my bills be returned. You see I live in a small community and know the postal service well. They would still deliver me my items even if the zip code was not correct. You have lost a valuable customer. I will not shop at your store. I will not be treated like this ever again.Desired Settlement: My name to be removed from a list stating it was contacted by a collection agency. Never use [redacted] again. Refund my money of $280!

Business

Response:

Dear Ms. [redacted], Your complaint filed with the Revdex.com (Revdex.com) was forwarded to my attention in the Executive Office of [redacted]’s for resolution. While [redacted]’s has an established partnership with Capital One N.A., we provide the in-house servicing for your [redacted]’s Charge account. As it is my intent to provide our valued customers with quality service, I appreciate the opportunity to review and resolve your concerns. In your complaint, you state that you did not receive any statements, resulting in your account charging off and forwarded to a third party collection agency. You are requesting [redacted]’s remove your account from the agency and credit any related fees. I apologize for the frustration you may have experienced concerning this matter. After review, your concerns were previously resolved. On December 31, 2014, we issued credits to your account totaling $285.43. The credits are for late fees, interest charges, and the principle balance, and appeared on your December 2014 billing statement. Enclosed is a copy of this statement for your review. Additionally, we have reversed the charged off status of the account and submitted a request to the Consumer Reporting Agencies (CRAs) to update the negative payment history on your credit profile. This information was communicated to the CRAs on May 11, 2015. We ask that you allow up to 60 days for the CRAs to update their files. Our records indicate we had the incorrect zip code on file for your mailing address, which resulted in your statements being returned. Our [redacted]’s Collections Department did attempt to contact you via phone to inform you of the missed payment, but was unable to reach you. The account charged off on December 31, 2014, and was being serviced by Progressive Financial. As referenced above, we have taken the above steps to resolve your concerns. As of May 19, 2015, your account is open and current. Ms. [redacted], I trust the information provided resolves your concerns. If you have any further questions, please do not hesitate to contact me directly at [redacted]. Sincerely, [redacted] Sr. Executive Correspondence Advisor Office of the President

Consumer

Response:

I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I am writing in regards to my complaint ID [redacted]. I am not satisfied with the outcome. I have already paid Capital One Financial Corporation the amount of $285.43 in by check on 5/6/2015. I cut up my credit cards because they said my account was deactivated. They are trying to reactivate my account and take the charges off and not return me my $285.43. I am not willing to reopen my account. I would like for them to mail me a check for the amount I had to pay in. Thank you.

Review: I entered into a repayment program with this company January 20, agreeing to repay a specific amount within 90 days. I have made two payments and need a 10 day extension to make the third, also well within the 90-day period and they refuse the 10-day extension, which is ridiculous!!Desired Settlement: I want them to extend my final payment to March 31. That is all.

Business

Response:

Dear [redacted],
The Revdex.com has requested that we investigate and respond to your concerns about your request for an extension on the final payment for your settlement offer on this account.
Per settlement requirements, we are unable to change the agreed final payment date under your settlement offer. Changing this date will cause the settlement offer to void and the account will charge off.
I hope this letter explains the situation, but if you have additional questions, please give me a call at[redacted]. I am available from 7 a.m. to 3:15 p.m. PT, Monday through Friday. We’re happy to help any way we can.
Sincerely,
[redacted], on behalf of Capital One

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

Review: I'm writing this because of my dissatisfaction with your Credit Card system. A few times I've gone to make a payment on your system and it does not save. In the past issues have been satisfied and we have gone on to enjoy using the [redacted] Credit card system. However recently I was charged a late fee of $25 because the system never took my payment. However instead of assisting me with this issue your company reps have chose to deny the claim and insisting I have a tracking number.....which is impossible to get because the system never took the payment as it should.Desired Settlement: I would like the $25 fee removed and someone to look into why the system isn't always accepting the payment. Also explaining to reps that there is no way to obtain a tracking number when a payment isn't taken from your system would be a nice touch. I just don't think they understand the issue at hand.

Business

Response:

Dear Mr. [redacted],Your complaint filed with the Revdex.com (Revdex.com) was forwarded to my attention in theExecutive Office of [redacted] for resolution. While [redacted] has an established partnership with Capital OneN.A., we provide the in-house servicing for your [redacted] Charge account. As it is my intent to provide ourvalued customers with quality service, I appreciate the opportunity to review and resolve your concerns.In your complaint, you state you attempted to make a payment using your My [redacted] Charge accountonline access; however, the payment never posted to your [redacted] Charge account because of anunknown error. You are also requesting that we credit the $25.00 late fee charged to your account.Although the assessment of the late fee is consistent with our terms of agreement, we are happy to creditthe late fee as a courtesy to you. Please note that although we are crediting the late fee, the credit is notapplied to the payment amount due by your April 2015 due date, and the remaining amount of $25.00 isstill due by your scheduled due date of April 3, 2015. Please allow me to explain.Our records show your February 2015 billing statement indicated a $25.00 minimum payment was due byMarch 3, 2015. We did not receive a payment by the due date and a $25.00 late fee was charged to theaccount. The late fee, along with interest charges of $3.19 and a new transaction of $127.49 on March 3,2015, brought the new balance on your March 2015 statement to $282.07. This statement indicated aminimum payment of $55.00 due by April 3, 2015.On March 9, 2015, we received a payment of $30.00 via your My [redacted] Charge account. This broughtyour remaining amount due to $25.00 due by April 3, 2015, as explained above. We reviewed our recordsand were unable to locate a system error with our My [redacted] Charge website during the time of yourMarch 2015 due date. We apologize for any frustration this may have caused and want to assure youfeedback will be provided to the appropriate areas.Mr. [redacted], I trust the information provided resolves your concerns. If you have any further questions,please do not hesitate to contact me directly at [redacted]

Consumer

Response:

I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I will accept this offer but the 25 late fee has not been returned as promised

Regards,

Review: Somone opened a credit card with my informarion, I called to report it as fraud and was told I would be sent a letter to start a. Investigation and to fill it out and send it back to them. Never got that letter. Then an investigator for Capital one called me while I was at work and talked to her as long as I could before having to return to work, telling her I would call her back when I got home to get the matter figured out. I called and called, always busy and only got to her voicemail if I called customer service and had them transfer me. Even though I had her extension number. I left a message saying to please call me back so we could figure the mess out and.never heard back. Then got a letter saying the investigation was complete and im responsible for the charges. So in fury, called and talked to 3 different people who couldnt help me, one being a supervisor and not taking anything I had to say into consideration just repeating the same details and saying it doesnt look like fraud. I gave every and any possibility as to how it maY have happened but they didnt care. I offered to send them my photo i.d. so they could compare it with the person who had the card on the security cameras at the store. They didnt want to do that. Im being stuck with a $400 bill for a card I never opened. They are not caring about what I say only.the simple facts they have on a screen, which doesnt qualify as a real investigation. I should not be responsible for this bill and should not be treated like a liar.

Product_Or_Service: credit card fraud

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like to not be responsible for the fraudulant charges of $384.26 made on the credit card I did not open. I would like to have the case closed as fraud, as that is what it is.

Business

Response:

Customer was sent letter advising account was deemed fraud. Customer is not responsible for charges.